Old Navy Visa Card Review

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The Old Navy Visa Card from Synchrony Bank offers fans of Old Navy and other Gap brands some compelling rewards toward future purchases.

Old Navy Credit Card

overall rating
2.1
Old Navy Credit Card
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Fair - Excellent
Regular APR (%) 27.49% variable
Annual Fee $0
Rewards Earning Rate Earn 5 points for every $1 spent on Gap brands.
Ratings Breakdown
for Interest
1.9
for Fees
1.9
for Rewards
4.8
for Credit
3.0

Current Offer:

Open a new Old Navy card online to receive a 20% off your first Old Navy purchase made within 90 days of account opening.

Who Is This Credit Card Best For?

  • Avatar for Deal Seeker Persona
    Diligently searches for the best products and delights in a good bargain See more cards
    Deal Seeker
  • Avatar for Family Shopper Persona
    Looks for good quality at a fair price while buying for the household See more cards
    Family Shopper
  • Avatar for Trendsetter Persona
    Loves being the first to try something new See more cards
    Trendsetter
  • Avatar for Brand Loyalist Persona
    Frequently shops with a particular merchant and wants to be rewarded for their loyalty See more cards
    Brand Loyalist

The Old Navy Visa Card is best suited for people who frequently shop at Old Navy and the other brands under the Gap umbrella (Gap, Banana Republic, Athleta, and Gap-brand outlet and factory stores).

Sure, you can use the card anywhere Visa is accepted, but the real reward opportunities are at the relevant stores. The easiest way to think of it: For every $100 you spend online or in-store at Old Navy brands, you’ll earn $5 toward a future purchase.

Keep in mind that not all applicants will be offered the Visa card, which is likely to require a good credit profile. If you have just a fair credit score, you may be instead offered the Old Navy Credit Card, which has the same rewards for store purchases but can only be used for those store purchases. This may still be a worthwhile option, not only for the store rewards, but as a tool to help build your credit history.

Pros
  • Nice rewards on store purchases

  • 20% discount on your first purchase

  • Extra perks for bigger spenders

Cons
  • Rewards only good toward future purchases

  • High APR

Pros Explained

  • Nice rewards on store purchases: Earning 5 points per $1 on every purchase you make at Old Navy and its sister stores. That’s as good or better than you’ll find on many other store credit cards. 
  • 20% discount on your first purchase: Some store cards offer a discount of 10% or 15% off, or have nothing at all. If you time your holiday or back-to-school shopping right, you can maximize the value of this incentive.
  • Extra perks for bigger spenders: If you earn 5,000 points in a calendar year, you’ll qualify for Navyist status. This gives you access to more perks, including a 20% boost in rewards points every quarter, free basic alterations on Banana Republic purchases, and free shipping on online orders with Old Navy, Gap, Banana Republic, and Athleta.

Cons Explained

  • Rewards only good toward future purchases: You can only use your rewards toward purchases at Old Navy and other Gap brand retailers. Plus, your rewards come in 500-point increments, so you can’t redeem them until you’ve charged at least $100 on your card. 
  • High APR: Store credit cards typically have higher APRs than general credit cards, so if you tend to run a balance from month to month, we wouldn’t recommend this card (or any store card.)

Bonus for New Cardholders

The card doesn’t offer a traditional new cardholder bonus in terms of extra points or cash back. But when you get the card, you’ll save 20% on your first purchase with it.

If you apply on Old Navy’s website, you’ll have 30 days to use the discount online or in-store. If you apply in an Old Navy store, you have to use the discount in-store the same day.

To maximize your savings, try to time your application when you’re planning to make a large purchase with the brand.

Earning Points & Rewards

You’ll earn 5 points per $1 on every purchase you make at Old Navy and its sister stores. With 500 points equaling a $5 reward, you’re getting a very competitive rewards rate among store cards as well as general cash-back rewards cards.

You’ll also earn 1 point per $1 everywhere else you use the card: grocery stores, gas stations, restaurants, and more.

Since this rewards rate is lower than what’s offered on many general rewards credit cards (but common among store-branded credit cards), we wouldn’t recommend using the card outside of Old Navy and its sister stores.

Once you’ve earned 5,000 points in a calendar year, you’ll reach Navyist status, which includes a 20% boost in points every quarter. This boost gives you 6 points per $1 on store purchases and 1.2 points per $1 everywhere else.

You’ll also get 500 bonus points when you connect your email address and another 500 points when you sign up for electronic billing.

Redeeming Rewards

While you’ll earn points on every purchase, rewards are issued in increments of $5 (500 points) up to $50 (5,000 points). There’s a limit of $250 in rewards you can earn in a month. If you’ve earned points beyond that amount, they’ll be rolled over to the following month.

Points you don’t convert into usable rewards only expire if you haven’t used your card in the last 24 months. Once they’ve been converted, they’ll expire on the date stated on the reward certificate.

You can redeem your rewards in-store, online, or over the phone for purchases at Old Navy and other Gap brands. However, there are some limitations:

  • You can use up to three reward certificates on a single transaction in-store or up to five online or over the phone. Rewards can be combined with one promotional offer.
  • The value of your purchase must be greater than the value of the reward certificate you’re using. 
  • You must use your Old Navy Visa Card to cover the remainder of the purchase when redeeming rewards.
  • You can’t use rewards to purchase gift cards.
  • If you return an item purchased with rewards, the amount of the rewards used will be converted back into points and credited to your account.

Other store-branded cards have simpler redemption rules. For example, the Target RedCard offers an upfront 5% discount.

How to Get the Most Out of This Card

If you shop a lot at Old Navy and other Gap brands, this card can easily earn a spot in your wallet.

Not only will you earn 5 points per $1 spent, but you’ll get access to exclusive offers throughout the year, including presales. If you’re going to be spending the money anyway, the value of these perks can add up.

If you shop frequently enough that you’ll earn 5,000 points each year, take advantage of the perks of Navyist status too. Not only does it turn 5 points into 6 points, but you’ll get free alterations with Banana Republic, and free shipping on online orders.

For other purchases, we would recommend using another rewards credit card. Here’s an oversimplified example to illustrate why.

Let’s say you spend $1,866 on apparel each year (that was the average spending among U.S. households in 2018, data from the Bureau of Labor Statistics shows). If you exclusively shopped at Old Navy and sister stores with your Old Navy Visa Card, you’d earn points worth about $93 toward future purchases.

In contrast, the Citi Double Cash Card, which pays up to 2% cash back, would give you a maximum of $37.32 back on those purchases (though you could use that cash anywhere).

However, if you put $20,000 worth of other expenses on your credit card every year, you’d earn as much as $400 in rewards on those purchases with the Citi Double Cash Card and just $200 with the Old Navy Visa Card. Plus, the $200 you got back with the Old Navy Visa would have to go to yet more clothing.

Pairing the Old Navy Visa Card with the Citi Double Cash Card could be a great way to take advantage of the best of both cards.

Customer Experience

Synchrony Bank ranked 10th out of 11 national issuers in the J.D. Power 2019 U.S. Credit Card Satisfaction Study. It ranked below average across the board in comparison with other major credit card issuers. 

On a positive note, you can use the Old Navy mobile app and website to manage your account (check your balance, make payments, etc.).

Security Features

The Old Navy Visa Card’s security features are standard for the credit card industry. 

Fees to Watch Out For

The main thing to remember is the card has a high APR just like most store credit cards. Make it a goal to pay your bill in full each month to avoid paying a high interest rate.

For Old Navy Credit Card
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CURRENT CARD
Old Navy Credit Card
overall rating
2.1
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Fair - Excellent
Regular APR (%) 27.49% variable
Annual Fee $0
Rewards Earning Rate Earn 5 points for every $1 spent on Gap brands.
Our Methodology
At The Balance, we are dedicated to giving you unbiased, comprehensive credit card reviews. To do this, we collect data on hundreds of cards and score more than 55 features that affect your finances.
  • Our Reviews Are Always Impartial: No one can influence which cards we review, the way we present them to you, or the ratings they receive. The scores and reviews come directly from the data we collect and our editorial expertise, and we focus on three areas:
  • How Much Does It Cost? With credit card debt at an all-time high, we believe you should know the cost of carrying a balance. Because of that, we give regular purchase APRs significant weight in overall scores, and cards receive low marks if they have an array of pricey fees.
  • What Are the Rewards Worth? Cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely. To simplify the problem, we built a system that fairly compares rewards and gives them a dollar value. We do this by looking at the ways you can earn and use rewards, which includes evaluating Americans’ typical spending habits and analyzing common travel patterns.
  • Does It Make Your Life Easier? Our scoring system favors cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting customer service. Finally, we give preference to credit cards that have several tools for dealing with fraudulent charges.
  • For every review on The Balance, we hold the credit cards to these standards, and we set the bar high. While we recognize the appeal of splashy features like six-digit sign-up bonuses, our approach ensures that credit cards with the best combination of value, affordability, and accessibility receive the highest scores. See our full methodology for more details.

Article Sources

The Balance requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
  1. Synchrony Bank. "Synchrony Bank Rates and Fees Table Gap Inc. Visa Card and Gap Inc Credit Card Account." Accessed March 6, 2020.

  2. Old Navy. "Old Navy Credit Card & Rewards." Accessed March 6, 2020.